Frequently Asked Questions

As a Brisbane financial planner with a long career ahead of me I am able to deliver ethical advice, personalised service and long term relationships without high overheads. This entitles more people to the sort of advice they deserve but may not have expected to receive.

We have an office inside the Corporate House building at 747 Lytton Road Murarrie

We prefer to hold our meetings at our office and can come to you if you live within a 30 minutes’ drive from the city.

Yes, because we know everybody is busy we offer consultations outside of normal working hours by appointment.

The advice costs depend on the level of complexity and how much work is involved. The more areas of advice we provide the less we have to charge to remain a sustainable business. For areas of advice where we are not renumerated by commission our advice fees start at $3,300 including GST.

Our fee structure is based on advice packages rather than an hourly rate. A full fee schedule can be found on our Financial Services & Credit Guide.

We provide value to people at all different life stages. These include those 30 – 44 looking to learn how to get started, protect their income and grow wealth, 45 – 55 looking to own their dream home, pay off debt and protect the family, 56 – 66 needing to build their retirement savings quickly and reduce insurance costs as well as 67+ looking to maximise their Centrelink and prolong the life of their retirement savings.

It is preferred to bring everyone involved in the decision making process and ID to your first meeting. It is also preferred if you bring the latest financial statements of areas you may wish to discuss such as mortgage, super or insurance statements.

I have achieved the Fellow Chartered Financial Practitioner designation.

I have obtained my Advanced Diploma of Financial Planning as well as a Diploma of Finance and Mortgage Broking Management. I also complete a minimum of 40 hours financial planning and 25 hours continual professional development each year.

Yes, I am a voting member of the Association of Financial Advisers as well as the Finance Brokers Association of Australia.

I joined the AMP Horizons program in May 2013 completing 12 months after. From July 2014 I started up Constancy Wealth and been building the business ever since.

My direct mobile number is 0423 437 812. My direct e-mail address is Daniel@constancywealth.com.au

Yes, we recommend everyone seek financial advice. To keep advice affordable where possible we take payment from insurance and mortgage commissions or from your Superannuation fund with no out of pocket cost.

Financial advice is not just for the rich or those with surplus income. It is beneficial for anyone who is looking to build their wealth, pay down debt, protect their lifestyle or better manage their savings.

• Investment strategies
• Budgeting and cashflow management
• Debt management
• Salary packaging,
• Superannuation strategies and retirement planning
• Personal insurance
• Estate planning
• Centrelink and other government benefits
• Ongoing advice and services, including regular portfolio reviews
• Aged care.

• Superannuation, including retirement savings accounts
• Self-managed superannuation funds (SMSF)
• Borrowing within your SMSF
• Employer superannuation
• Managed investments
• Investor directed portfolio services (for example, administration platforms)
• Deposit and payment products (for example term deposits, cash management accounts and non-cash payment products)
• Standard margin loans
• Retirement income streams, including pensions and annuities
• Personal and group Insurance (life cover, disability, income protection and trauma)
• Loans including mortgages and personal loans, reverse mortgages and deposit bonds
• Life investment products including whole of life, endowment and bonds
• Securities (including listed securities)
• Arranging for listed securities, shares and debentures to be bought and sold via a platform and broker.
• Where an administration platform is recommended, we also offer a Limited Managed Discretionary Account service
• Limited selection of investment guarantees

• Direct property purchases (which property to buy)
• General Insurance
• Direct fixed interest
• Exchange Traded Funds
• Structured Products

We are a Brisbane based business licensed through AMP Financial Planning as an Authorised Representatives. We are a separate business operating under strict legal obligations which include the requirement to act in the best interests of our clients at all times.

AMP has the largest advice network in the country. Their knowledge, research and resources are second to none which gives me the ability to provide the highest quality of advice to my clients. It also entitles my clients to the latest tools and calculators helping them plan for their future.

As a business we are not restricted to AMP products. We compare your existing products against those on our approved product and service list to make sure our advice is in your best interest.

The Commission has been asked to inquire into and report on misconduct in the banking, superannuation and financial services industry and will make an interim report later this year, with final recommendations delivered to the government early next year. Constancy Wealth is not part of the investigation nor affected by it.

Depending on your risk profile and investment objectives I recommend investments in Cash, Bonds, Property and Shares.

When invested your funds are held in trust structures. With all investing there will be some level of risk. We do what we can to reduce risks using advice strategies and diversification of your investments.

Super is strictly regulated to protect client interests. The way super money is held and invested is carefully controlled and there are checks and balances at every stage. The trustee of the super fund is responsible for operating a super fund and has a fiduciary duty to manage the super fund strictly for the benefit of members (above the interests of shareholders).

As a financial advisor my focus is on the constants such as tax optimisation strategies, investment strategies, contribution strategies, draw down strategies, estate planning strategies, cost minimisation and ongoing reporting. I am not an investment broker and do not manage the individual buying and selling of assets. I do provide investment projections based on conservative assumptions which are disclosed in advice documents.